Saga Car Insurance Reviews: What the Customer Says
When you’re looking at car insurance you want to make informed decisions especially if you’re over 50. Saga car insurance is designed for this age group and has many features and customer reviews that may interest you. From cover options to customer service experiences, understanding what the Saga car insurance review has to offer will help you decide if it’s for you.
One of the main things is that Saga car insurance has unlimited EU cover and optional extras. So if you drive in Europe a lot or want to pay for extra benefits it’s an option for you. Their policies are designed to give you peace of mind so you’re well covered on the road.
Customer reviews and professional reviews will give you more detail. Trustpilot and other review sites show mixed but generally good feedback on their claims handling efficient service. For example a customer had their car repaired quickly after an accident which is good for Saga’s service.
Saga Car Insurance
Saga Car Insurance covers drivers over 50. Their policies are known for high customer satisfaction, many cover options and extras.
Company
Saga plc has been a household name in insurance, travel and financial services since 1951. Initially they focused on holiday services for older adults and then expanded into insurance and financial products for people over 50. With years of experience they have built a reputation for good service and understanding their customer base. Reviews highlight Saga’s customer focussed approach and helpful staff.
Insurance Options
Saga offers a range of car insurance policies for older drivers. Standard policies include third party, fire and theft and fully comprehensive. With a comprehensive policy you get cover for accidental damage, windscreen damage and personal belongings. Optional extras include legal expenses personal accident cover, breakdown cover and key cover. You can choose what’s right for you and be covered for various situations.
Extras and Features
Saga make their policies more attractive with extras. One of the main features is their “Saga Breakdown Assistance” which includes roadside and home start. Another is the “Fixed Price Promise” which means your premium won’t increase for 3 years if your circumstances don’t change. the Saga insurance also covers you to drive in Europe for 90 days. Loyal customers get perks through their Saga Possibilities membership which has discounts and exclusive deals.
Customer Service Experience
Saga car insurance customers have mixed experiences with their customer service, highlighting the good and the bad. Key areas are how easy it is to get in touch and the quality and speed of the service.
Contact Options
You can contact Saga through many channels so it’s easy to get in touch. They have phone support which customers use frequently. Their website also has email and live chat options.
Although convenient some customers have reported long wait times when trying to get through on the phone. Others have had issues with their online contact forms not working sometimes which is frustrating. But overall having multiple ways to get in touch is good for customers.
Service Quality and Response Time
Saga’s own car service is generally praised for being good and professional. Many reviews say the customer service is helpful and friendly. For example when a car is damaged customers have found the team to arrange repairs and provide information quickly.
Response time is variable. Some customers get their issues sorted quickly while others have to wait especially during peak times. Communication is key and although the Saga services do well in many cases it’s clear they could do better in this area.
Claims
Saga car insurance has a 24 hour claims line and have mixed reviews on their service and communication. Below are the key details on how to make a claim, how long it takes and what other customers have said about their experience.
How to Make a Claim
To make a claim with Saga car insurance call their dedicated claims line on 0800 001 5424. This UK based service is open 24 hours a day, 7 days a week so you can make a claim or report an incident at any time.
Give as much information as possible when you call. This includes date and time of the incident, details of other vehicles involved and the driver’s details. Having your policy number to hand will help speed up the process. You may need to fill in contact details in some forms or provide additional documentation after you’ve reported.
Resolution Time
The resolution time for a claim with Saga car insurance policies will vary. Some customers have had quick service and resolution while others have had to wait due to communication issues or unexpected complications.
Simple claims are usually resolved quickly, within a few days. More complex claims such as those with significant damage or third party involvement can take a few weeks. Keep in touch with the claims team to get updates.
Customer Reviews
Customer reviews of Saga’s claims process are mixed. Many customers have said the application process is easy and the service is good. Positive reviews often mention quick response and resolution.
But some customers have mentioned price increases and communication issues during the claims process. There have been reports of delays and difficulty getting updates on claims. Worth reading the customer reviews here to get a better idea.
In summary many customers have had good experience with Saga’s claims process but be prepared for communication challenges.
Cost and Affordability
Saga car insurance provider has multiple options for pricing and benefits. Knowing the cost structure and the savings will help you decide if this other insurer is for you.
Premiums and Excess
Saga car insurance has competitive premiums that vary depending on age of driver, type of vehicle and location. They cater for customers over 50 so may be cheaper than other insurers that target younger drivers.
Their comprehensive cover policies include unlimited Europe travel which may be useful if you drive abroad a lot. But check the excess amounts as these will affect the cost of your premiums. Higher excesses mean lower monthly cost but more expensive if you make a claim.
Discounts and Savings
Saga have several ways to save on your car insurance policy. They offer discounts for multi car policies if you have more than one vehicle in your household. No claims discounts for drivers with a clean driving record can also reduce your first year’s premium significantly.
Customer reviews say they get good value for money as seen on Trustpilot where Saga have a 4.1 star rating. Special discounts may also be available for vehicles with advanced safety features. Always ask about savings when you speak to a Saga representative.
Take these into account to decide if Saga’s policies fit your budget and insurance needs.
Customer Reviews
Many customers have said Saga Car Insurance is quick and easy to use. But some have said communication and price increases are an issue.
Positive Reviews
Many customers have reviewed Saga Car Insurance. Users on Trustpilot rate the Saga claims line 4.1 out of 5 stars and said the application process is simple and the service is good. One customer said their car was collected and returned in perfect condition after being badly damaged by a drunk driver. The high ratings are for the claims process and overall service.
Room for Improvement
Despite the good reviews customers have said there is room for improvement. Unexpected price increases and communication issues were common complaints. Some reviews mentioned long wait times and difficulty getting hold of customer service. Some customers were also not given cashback offers as promised which caused frustration. Improving these will help the overall customer experience.
Comparison to Others
Saga car insurance is for drivers over 50 and has features specifically for the driving experience this age group. Knowing how it compares to others will help you decide.
Market Positioning
Saga’s market position is for the over 50s. This is different to many other insurers who cater for a wider audience. Saga came 6th in the best car and home insurance for this demographic.
Competitive Benefits
Saga has comprehensive cover and unlimited Europe travel insurance so if you drive abroad a lot it’s a good option. They have three levels of cover: Saga Standard, Saga Select and Saga Plus. The policies are designed to fit different needs and budgets so flexibility.
Similar to
Saga is often compared to LV and Admiral. LV is cheap and guarantees vehicle repairs for life. Admiral is good for customer service and multi car discounts. Saga is good for older driver specialist services so has a unique selling point.
Saga’s 65% customer score puts them 7th out of 27 and their 80% policy score puts them 2nd out of 28.
Financial Strength and Reliability
Saga have a good reputation for financial stability and regulatory compliance so you can trust them.
Regulatory
Saga follow strict regulatory guidelines to give customers confidence. In the UK insurance companies like Saga must follow the rules set by the Financial Conduct Authority (FCA). These rules mean Saga’s insurance is fair and transparent.
Saga’s compliance goes further with regular audits and checks. These ensure the company meets all the legal and financial requirements. Compliance protects you as a customer so you can have peace of mind that your own Saga product and policy meets industry standards.
Financial Ratings
Financial ratings are important to check an insurer’s stability. Saga have good ratings from independent financial rating agencies. These ratings mean Saga can meet their financial obligations including paying out claims.
For example on Trustpilot Saga car and insurance comparison websites the company has a 4.1 out of 5 stars rating. This means high customer satisfaction and financial health. 75% of reviewers have given it 5 stars.
Financial strength gives customers peace of mind that their insurer has the resources to support them when they need it. With strong financial ratings Saga customers are reliable and financially sound.
Renewal and Cancellation
Knowing how to renew or cancel your Saga car insurance is important. It can affect your convenience buying new car and insurance and your wallet with fees and refunds.
Renewal
Renewing your Saga car insurance is easy. You can renew your motor insurance policy online on Saga’s website. There’s an option for a 3 year fixed price deal so your premium won’t increase for 3 years. This gives you peace of mind against rising insurance costs.
You’ll get a renewal notice before your policy expires. Make sure to review the terms and conditions and check the cover meets your current needs. If you have any questions contact Saga’s customer service.
Cancellation
Saga allows you to cancel your car insurance policy if your needs change. You have a 14 day cooling off period after you’ve purchased or renewed your policy. During this period you can cancel without a cancellation fee but a pro-rata charge for the days you were covered may apply.
After the cooling off period cancelling your policy incurs a £50 cancellation fee. You need to tell Saga in writing either by post or email to cancel. Make sure to include your policy number and the cancellation date to avoid any confusion.
Fees and Refunds
When renewing remember Saga charge a £25 renewal fee each year. This is added to your premium. If you cancel your policy after the cooling off period you’ll incur a £50 cancellation fee. Any refunds will depend on how much time is left on your policy.
Refunds are pro-rata. This means you’ll get back part of your premium minus the days you were covered and any fees. If you paid monthly there may be extra charges for unpaid instalments. Check your policy documents for specific details applicable to you.